| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BOULEVARD, SUITE 308 HAUPPAUGE, NY 11788 | HORIZON HEALTHCARE SERVICES INC | $30K | $0 | $30K | 1.24% |
| MICHAEL P MCEVOY II3 Filed as: MICHAEL P. MCEVOY II | SIX GREENLEIGH DRIVE SEWELL, NJ 08080 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $0 | $13K | 10.61% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BOULEVARD, SUITE 308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $10K | $10K | 7.52% |
| MICHAEL P MCEVOY II3 Filed as: MICHAEL P. MCEVOY II | SIX GREENLEIGH DRIVE SEWELL, NJ 08080 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.68% |
| KAREN BECHTELHEIMER3 | 67 STONESHIRE DRIVE GALSSBORO, NJ 08028 | AFLAC | $288 | $0 | $288 | 2.28% |
| MJ INSURANCE3 Filed as: LORENZO CUTAIA AND VARIOUS AGENTS | 123 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $247 | $0 | $247 | 1.96% |
| THOMAS VOLPE3 | 5218 ATLANTIC AVENUE MAYS LANDING, NJ 08330 | AFLAC | $207 | $0 | $207 | 1.64% |
| ANTHONY WEISBECKER3 Filed as: ANTHONY J. WEISBECKER | 121 CLUB PLACE GALLOWAY, NJ 08205 | AFLAC | $125 | $0 | $125 | 0.99% |
| GLENN H CARTER3 Filed as: GLENN H. CARTER | 7103 ORCHARD TERRACE WILMINGTON, NC 28409 | AFLAC | $87 | $0 | $87 | 0.69% |
| MICHAEL BUTTERFIELD3 Filed as: MICHAEL WING | 927 NORTH MAIN STREET SUITE A6 PLEASANTVILLE, NJ 08232 | AFLAC | $60 | $0 | $60 | 0.47% |
| CHERYL OLSEN3 | 74 TRESTLE LEAF PITTSBORO, NC 27312 | AFLAC | $57 | $0 | $57 | 0.45% |
| BRIAN CIESLAK3 | 900 LIBERTY PLACE SICKLERVILLE, NJ 08081 | AFLAC | $206 | $0 | $206 | 6.50% |
| KRISTI A CIESLAK3 Filed as: KRISTI CIESLAK | 126 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $60 | $0 | $60 | 1.89% |
| LORENZO V CUTAIA3 Filed as: LORENZO CUTAIA | 123 AZALEA LANE LITTLE EGG HARBOR, NJ 08087 | AFLAC | $27 | $0 | $27 | 0.85% |
| LYNN A GOULD3 Filed as: LYNN GOULD | 210 LEXINGTON DRIVE LITTLE EGG HARBOR, NJ 08087 | AFLAC | $17 | $0 | $17 | 0.54% |
| MJ INSURANCE3 Filed as: EXSEPTIONAL SVCS AND VARIOUS AGENTS | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $9 | $0 | $9 | 0.28% |
| LARRY D DENNY3 Filed as: LARRY C. KENNEY | 107 WEST CENTENNIAL DRIVE MEDFORD, NJ 08055 | AFLAC | $5 | $0 | $5 | 0.16% |
| MICHAEL BUTTERFIELD3 | 2021 NEW ROAD, SUITE 12B LINWOOD, NJ 08221 | AFLAC | $4 | $0 | $4 | 0.13% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES INC | 132 | $2.5M |
| Dental | HORIZON HEALTHCARE SERVICES INC | 132 | $2.5M |
| Vision | VISION SERVICE PLAN | 121 | $18K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 192 | $126K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 192 | $126K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 192 | $126K |
| Prescription drug | HORIZON HEALTHCARE SERVICES INC | 132 | $2.5M |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 192 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.